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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,708 | $37,446-2.0% | $77,552-52.7% | $79,856-54.0% |
| Participation rate | 20.5% | 41.5%-21.0pp | 54.2%-33.7pp | 69.6%-49.1pp |
| Annual return | 0.01% | 39.76%-39.7pp | 54.82%-54.8pp | 31.71%-31.7pp |
| Employer contribution / active EE | $268 | $637-58.0% | $987-72.9% | $2,471-89.2% |
| Participant deferral / active EE | $1,867 | $1,261+48.1% | $1,861+0.3% | $3,741-50.1% |
| Admin fee / account holder | $643 | $2,506-74.3% | $2,859-77.5% | $5,306-87.9% |